Due to a dreary economy and troubled financial industry, many rewards credit cards are either scaling back on their offerings or requiring excellent credit scores for decent interest rates. However, a few good cards still exist for those with less than top-notch credit at rates far south of 20 percent. Whether you prefer merchandise, cash or miles, a credit score in the decent range is all you need to access the benefits offered by the rewards cards listed below:  
 

Wachovia donates to Toys 4 Tots each time someone buys a Wachovia Visa Gift Card and also allows people to donate toys or $5 to skate at Wachovia Arena on Dec 1st  Discover Card is giving a $20 gift card for each $200 spent in a participating mall. Just save your receipts and bring them to the mall customer service desk. You will be given a $20 gift card, up to a maximum of 5 if you bring $1000 in receipts.